Share Certificate Specials⁴

$1,000 Minimum – Penalty for Early Withdrawal

7 months
Dividend Rate
0.45%
APY¹
0.45%
10 months
Dividend Rate
0.45%
APY¹
0.45%
15 months
Dividend Rate
0.55%
APY¹
0.55%
18 months Step-up²
Dividend Rate
0.65%
APY¹
0.65%
25 months
Dividend Rate
0.75%
APY¹
0.75%
37 months
Dividend Rate
0.80%
APY¹
0.80%
41 months Step-up²
Dividend Rate
0.85%
APY¹
0.85%

JUMBO Certificates⁴

$100,000 Minimum – Penalty for Early WithdrawalShare Certificate Specials

7 months
Dividend Rate
0.55%
APY¹
0.55%
10 months
Dividend Rate
0.55%
APY¹
0.55%
15 months
Dividend Rate
0.65%
APY¹
0.65%
18 months Step-up²
Dividend Rate
0.75%
APY¹
0.75%
25 months
Dividend Rate
0.85%
APY¹
0.85%
37 months
Dividend Rate
0.90%
APY¹
0.90%
41 months Step-up²
Dividend Rate
0.95%
APY¹
0.95%

SHARE Certificates⁴

$1,000 – Penalty for Early Withdrawl

3 months
Dividend Rate
0.25%
APY¹
0.25%
6 months
Dividend Rate
0.40%
APY¹
0.40%
12 months
Dividend Rate
0.45%
APY¹
0.45%
24 months
Dividend Rate
0.70%
APY¹
0.70%
30 months
Dividend Rate
0.80%
APY¹
0.80%
36 months
Dividend Rate
0.80%
APY¹
0.80%
48 months
Dividend Rate
0.90%
APY¹
0.90%
60 months
Dividend Rate
0.95%
APY¹
0.95%
36 months Step-up²
Dividend Rate
0.80%
APY¹
0.80%
60 month Step-up²
Dividend Rate
0.95%
APY¹
0.95%
Dividend Rate
APY¹

2Members can “Step-Up” the rate one time during the term of the certificate to the rate being paid on regular certificates of similar terms.

youth Certificates⁴

$100 Min. $30,000 Max. – Penalty for Early Withdrawal

3 Months Add-On3
Dividend Rate
0.70%
APY¹
0.70%

3Only available for members under age 18. Member may add to certificate balance at any time.
4Fees may reduce earnings on Share Certificates

 

share accounts

Annual Percentage Yields (APY) on Share Accounts are accurate as of the last dividend declarations date of 2/16/2021

(S1) Share savings
Min. to earn Dividend
$100
Dividend Rate
0.20%
APY¹
0.20%
(S3) Secondary Savings
Min. to earn Dividend
$100
Dividend Rate
0.20%
APY¹
0.20%
(S7) Share Draft (Checking)
Min. to earn Dividend
$500
Dividend Rate
0.05%
APY¹
0.05%
(S4) Christmas Club5
Min. to earn Dividend
$5
Dividend Rate
0.20%
APY¹
0.20%
(S8) Vacation Club5
Min. to earn Dividend
$5
Dividend Rate
0.20%
APY¹
0.20%

5Fees may reduce earning on Club Accounts

(s5) ira shares6
Min. to earn Dividend
$100
Dividend Rate
0.25%
APY¹
0.25%
(s10) roth ira shares6
Min. to earn Dividend
$100
Dividend Rate
0.25%
APY¹
0.25%
(s15) education ira shares6
Min. to earn Dividend
$100
Dividend Rate
0.25%
APY¹
0.25%
(s25) Health savings account6
Min. to earn Dividend
$100
Dividend Rate
0.75%
APY¹
0.75%
(s9) Youth Account
Min. to earn Dividend
$5
Dividend Rate
0.20%
APY¹
0.20%
(s13) Teen Account
Min. to earn Dividend
$5
Dividend Rate
0.20%
APY¹
0.20%
(S2) DID Account7
Min. to earn Dividend
$50
Dividend Rate
0.25%
APY¹
0.25%
(S11) Share Plus7
Min. to earn Dividend
$50
Dividend Rate
0.25%
APY¹
0.25%
(S21) Super Money Market7
Min. to earn Dividend
Dividend Rate
APY¹
Min. to earn Dividend
$1,000 - $24,999.99
Dividend Rate
0.25%
APY¹
0.25%
Min. to earn Dividend
$25,000 - $49,999.99
Dividend Rate
0.45%
APY¹
0.45%
Min. to earn Dividend
$50,000 - $99,999.99
Dividend Rate
0.65%
APY¹
0.65%
Min. to earn Dividend
$100,00 - $249,999.99
Dividend Rate
0.85%
APY¹
0.85%
Min. to earn Dividend
$250,000+
Dividend Rate
0.90%
APY¹
0.90%

6Fees may reduce earnings on IRA & HSA Accounts
7 Fees may reduce earnings on S2, S11 & s21 Accounts

Home Improvement Loans

Check with Loan Officers for Exciting New Options

Home Equity Line of Credit7

4The Annual Percentage Rate is a variable rate and is subject to change without notice.

Open End HELOC
Dividend Rate
0.55%
APY¹
0.55%
Dividend Rate
0.55%
APY¹
0.55%
Dividend Rate
0.65%
APY¹
0.65%
Dividend Rate
0.75%
APY¹
0.75%
Dividend Rate
0.85%
APY¹
0.85%
Dividend Rate
0.90%
APY¹
0.90%
Dividend Rate
0.95%
APY¹
0.95%

Home Equity Loans — Closed End7

5 Year (60 Month)
APY¹
3.45%
10 year (120 month)
APY¹
3.24%
5.5 year balloon (66/180)
APY¹
4.00%
7 year balloon (84/180)
APY¹
4.25%
10 year balloon (120/180)
APY¹
4.45%

New Vehicles Loans

2019 & Newer with 20,000 miles or less

48 months
APY¹
2.64%
60 months
APY¹
2.74%
66 months
APY¹
2.74%
72 months
APY¹
2.99%

Used vehicles 2018 (or newer with over 20,000 miles

48 months
APY¹
2.99%
60 months
APY¹
2.99%
66 months
APY¹
2.99%

Used vehicles 2017 model year

48 months
APY¹
3.14%
60 months
APY¹
3.14%
66 months
APY¹
3.14%

Used vehicles 2016 model year

48 months
APY¹
3.24%
60 months
APY¹
3.24%

Used vehicles 2015 model year

48 months
APY¹
3.54%
60 months
APY¹
3.54%

Used vehicles 2014 model year

36 months
APY¹
3.64%
48 months
APY¹
3.64%

Used vehicles 2013 model year

36 months
APY¹
3.79%
48 months
APY¹
3.7%

Used vehicles 2012 model year

36 months
APY¹
3.79%
48 months
APY¹
3.79%

Used vehicles 2011 and older model year

36 months
APY¹
6.74%
48 months
APY¹
7.04%

Consumer Goods

Includes: fold-down campers, garden tractors, mopeds, scooters, computers, household good, and appliances 

NEW Consumer goods
20% Down
0% Down
36 months
20% Down
6.00%
0% Down
7.00%
48 months
20% Down
7.00%
0% Down
8.00%
used Consumer goods
20% Down
0% Down
24 months
20% Down
7.50%
0% Down
8.50%
36 months
20% Down
8.50%
0% Down
9.50%

Recreational Loans

Includes: off road motorcycles, UTV’s, ATV’s jet skis w/trailers, and snowmobiles

New 2019 & Newer Model Year
APY¹
72 Months
APY¹
5.40%
2017-2018 Model Year
APY¹
60 Months
APY¹
6.00%
2015-2016 Model Year
APY¹
48 Months
APY¹
6.50%
2014 & Older Model Year
APY¹
36 Months
APY¹
7.75%

Personal loans

12 months
APY¹
7.25%
24 months
APY¹
8.25%
36 Months
APY¹
9.25%
48 months
APY¹
9.75%
60 months
APY¹
10.25%